Business Banking Lead

About the role

Kolomoni Business is the segment where agents, merchants, traders and MSMEs bank with the institution, covering business accounts, payment acceptance, operating tools, savings and responsible transaction-led finance. CapitalSage Holdings is looking for a Business Banking Lead to own this segment and turn it into the institution's main commercial growth engine. It is a segment-ownership role, not a team-leadership one: you are accountable for the portfolio's results through the distribution network, product, credit and technology, not by direct command.

Key responsibilities

• Own the Business Banking segment strategy, commercial plan and portfolio performance.
• Define propositions for agency banking, merchant services, formal businesses and informal MSMEs.
• Grow funded, active business accounts and mobilise business deposits, measured on balances that stay.
• Grow merchant payment volume, value and revenue, and active POS and QR acceptance.
• Specify the commercial requirements for onboarding, KYB, settlement visibility, reconciliation and dispute support, and hold the owning functions to them.
• Equip the field network with the propositions, pricing, materials and sector knowledge needed to sell the segment.
• Build finance-readiness pathways for businesses in the portfolio and coordinate credit origination with Credit and Risk under approved policy.
• Own segment revenue, contribution, acquisition cost and payback, and account for variance against plan.

Required profile

• A first degree in banking, finance, business, economics, marketing or a related discipline.
• Five to seven years in SME banking, merchant acquiring, agency banking, payments, sales or portfolio management.
• Evidence of delivering business and revenue targets through a distribution network rather than a direct team.
• Commercial judgement, portfolio analysis and unit economics, negotiation, and the ability to influence across functions and the field without authority over either.

Required skills

• Working knowledge of MSME needs and behaviour, merchant payments, POS and QR acceptance, business accounts and deposit mobilisation.
• Knowledge of KYB, settlement and reconciliation, and cash-flow lending.